USDC

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Post is by: XXLCuntdestroyerXXL and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1nkbjnx/question_about_fees_when_selling_crypto/ Hello, Recently I have invested in a coin that was closed for 90 day, So you could invest in it but not sell the coin. 2 weeks before the release date a public announcement was made that a 5% tax will be collected, if not paid the coin will stay frozen and you had deposited the funds in USDC. This I have paid and sold my coins for a profit. When you make an withdrawal up to 72h it could take to receive the funds in your external crypto wallet. within in these 72h another announcement was made on the site telling the investors that due to money laundering a 1% government fee must be paid since all trades are made trough government issued channels. After paying for these fees I finally initiated a withdraw of my funds to my external wallet and asked after 72H why the money was not yet there. I was told that due to my governments policies the amount that I try to withdraw was too high to be send to an external wallet and this could only be send to my IBAN. To send this USDC to my IBAN I have to pay a 0,5% conversion fee and a 1% banking fee. Now that I have also paid for this I was told that  due to Eurasian Group on Money Laundering and Countering the Financing of Terrorism (EAG) regulations I have to pay a 2% deposit of my profit from selling the coins. This money I would get send to my external wallet and the initial funds from selling my coin I will get to my IBAN. The profit from selling the coins are over 0.5M, Are these extra fees normal? I feel like for every step I take I have to pay. I trade on the primary market. please let me know if others have faced this *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

whatwilly0ubuild

Look, the inflation concerns are real but getting paid in crypto isn't the magic bullet most people think it is. Working at a company that solves tough engineering problems for startups and researchers, I've seen plenty of teams try to build payroll systems around crypto and most of them realize pretty quickly why traditional finance still dominates. The harsh reality is crypto salaries mostly exist in three buckets: blockchain companies paying their devs, sketchy offshore operations, and a handful of progressive startups trying to look cutting edge. Non-tech crypto jobs are rare as hell because most legitimate companies aren't set up for the accounting nightmares it creates. Our clients who've tried implementing crypto payroll face the same issues every time. Tax reporting becomes a disaster since you need to track the fair market value at the moment of each payment for tax purposes. One client spent more on accounting than they saved on transaction fees. Employees also freak out when Bitcoin dumps 20% the day after payday and their rent money evaporates. The stablecoin route makes more sense theoretically but you're still exposed to depegging risk and the IRS treats every conversion as a taxable event. Plus most landlords and utility companies aren't accepting USDC so you're constantly converting back to fiat anyway, which defeats the whole purpose. Here's what actually works. Negotiate a portion of your compensation in crypto if your employer is open to it, or just buy crypto with part of each paycheck yourself. You get the exposure you want without the operational headaches. Some of our customers in the fintech space are building better rails for this but the infrastructure isn't there yet for mainstream adoption. The platforms you mentioned for yield and cards are fine for playing around but they're not replacing traditional banking anytime soon. Data pipelines, cryptography, and ML are unforgiving if you cut corners, same applies to crypto financial infrastructure. Most off-the-shelf tools weren't built for your use case, they're built for generalization. If you really want crypto exposure to hedge against inflation, the smarter play is maxing out your regular salary negotiations and converting a fixed percentage to crypto yourself. You maintain flexibility, avoid tax complications, and can actually optimize your DCA strategy instead of being forced to hold whatever dumps into your wallet on payday. The difference between teams who engineer from first principles and those who chase narratives is night and day, same logic applies to personal finance.

JWillCHS

At this point you’d be better off buying the rumor and selling the news with some of the alt ETFs if they ever happen. I love the idea of Cardano as a smart contract platform. But things such as stablecoins liquidity and the tokenization of RWAs are probably the first two use cases we might see in traditional markets. Cardano is still “discussing” stablecoin adoption with no Tether or USDC. And the discussion around tokenizing real world assets is just that; a discussion. Meanwhile Ethereum rules in both of those categories. What will it take for Cardano to compete? Because right now Ethereum is actually doing a lot of things Cardano wanted and they’re quickly falling behind. No one was really tokenizing real world assets even in 2023; and in a short period of time Ethereum again pulls ahead as the smart contract platform for that.

tookdrums

# 50 USDC rewards for someone who can create a python code which compute the HASH of a unsigned transaction given by Rabby wallet the same way a ledger wallet does. Hi everyone, I want to be more secure when blind signing transaction with my ledger wallet and I want to make sure that the transaction Rabby wallet shows me is the same one that is received by the ledger. Cool the ledger show me a hash of the transaction but Rabby wallet does not... According to ledger regarding EIP-[1559](https://github.com/ethereum/EIPs/blob/master/EIPS/eip-1559.md) transactions, the computation is:  `keccak256(0x02 || rlp([chain_id, nonce, max_priority_fee_per_gas, max_fee_per_gas, gas_limit, destination, amount, data, access_list]))`. I gave it a go but I am really not good when using binary or hex data.

tookdrums

50 USDC rewards for someone who can create a python code which compute the HASH of a unsigned transaction given by Rabby wallet the same way a ledger wallet does. https://old.reddit.com/r/CryptoCurrency/comments/1njmunq/50_usdc_rewards_for_someone_who_can_create_a/

Ruzhyo04

The best thing to do to understand crypto is to **use** it. Send the ETH to a wallet you control, like Rainbow or Rabby. Bridge to an L2 like Arbitrum (you might be able to withdraw directly there). Deposit the ETH into Aave. Borrow $10 of USDC. Go to uniswap. Exchange that $10 for something else. Do this and you will understand crypto better than 99% of people. Practice with small amounts. Don’t click ad links. Triple check every transaction before you sign it. Read! Self custody is more responsibility, but far more rewarding. If you want another educational quest lmk.

willy-beamish

A couple years ago. Maybe 2022. I was using the Coinbase debit card for the crypto rewards. You had to preload it with USDC and it would spend out of that pool. One day $300 of USDC disappeared. No transactions listed to explain where it went. Just gone. Over the next week I called them 8 days in a row. The customer service was terrible. I was given the run around. What browser version. What app version. Are you using a VPN. On the 8th day the guy didn’t want to hear it and said he was locking my account for a week and hung up on me. I was sent an email that told me any further calls would reset the week lockout. I waited a week and when I finally had access to my account the $300 USDC was back. Again… no transaction history of it leaving or returning. I drained my account and haven’t used them since.

Which_Weakness4565

I use it. Bank (fiat) send to Crypto.com Sell fiat into BTC Send BTC to Cronos network It will be converted to a wrapped BTC called CDCBTC Lend it to a dapp called Tectonic Borrow USDC against the CDCBTC

ZacharyMorrisPhone

Shower thought: Buttcoiners will be forced one day to use Bitcoin and/or crypto. The irony will be legend. I think that we are marching towards a real scenario where you will have no choice but to transact in some form of crypto in some situations. And the irony of the buttcoiners being FORCED to pay using blockchain will be pretty funny. Just a couple possible scenarios that could unfold in the next 5-10 years: ** Cross-Border Payroll A U.S. freelancer is hired by a company in South Korea. Wire transfers are slow, cost $30–50 per payment, and get held up by time zones, intermediaries, or compliance delays. What if the company says “we only pay overseas contractors in USDC”? ** E-Commerce Merchants Drop Credit Cards A consumer goes to buy a laptop from an online retailer but the retailer has stopped accepting Visa/MasterCard because of high fees, chargeback fraud, and settlement delays. Instead, they accept PayPal, Apple Pay, or direct USDC/BTC/ETH payments for a discount. To get the lower price, the consumer uses crypto.

Buckshot211

USDC & BTC. Research and watch how the market works. Everyone is going to tell you to by X. Don’t invest what you can’t lose outside of the first 2

LargeSnorlax

- Make sure you have at least some exposure to Bitcoin (Well, a lot more than $8). It's the king for a reason, it moves the markets. - Looks like you just bought random top 100 stuff, which is fine, you're starting off. You've got some memes, some stuff like LINK and XLM. It's really not as bad as 1/10 like others say. Personally, I like to keep the ol' portfolio something like: Bitcoin % = Market dominance (Usually 55-60% - ETH to market dominance (Usually 10-15%), the rest a mix between USDC and play around coins. Basically, the most important stuff to move is BTC and then ETH, and if you want to have some fun with some moonshots you can adjust your risk accordingly.

ButterflySecret6780

He bought less than 1% of a Bitcoin cash which is less than 6$ so it’s likely he doesn’t meet the minimum threshold for selling plus I’m sure there’s fees for selling but yeah I agree buying BCH is pointless I’d rather buy USDC and collect 4.5%PA.

lauracamus

Realistically, don't lump sum when we're 5% away from ATH. Either DCA or put in in USDC to wait, which has very good APY right now because of the bull run.

DBRiMatt

Bullish on 4k-5k ETH/USDC Liquidity Positions!

Matt71618

Check what Zypto is doing with Abroad. You can use USDC to pay at any merchant in select markets (I think limited to some South America countries right now). I imagine this is what the future will look like.

alterise

Nah, this was nothing really complicated. The bridge contract in question is the derive chain (an op stack eth l2) bridge wrapper (assets are transferred to the actual bridge contract and this contract is not supposed to hold anything). Anyways, instead of interacting with the contract via its proper functions or presumably a web ui built for it, the “victim” just simply transferred their USDC tokens to it. All the bot had to do was to call the contract’s bridge function setting his own contract as the intended bridge which gave his full approval of all tokens on the bridge wrapper. Then all he had to do was call transferFrom on the usdc tokens to yoink it. In any way, you can say the wrapper is poorly designed but then again it was never meant to hold any tokens.

coinfeeds-bot

tldr; A user mistakenly sent $1 million USDC to a bridge contract address instead of following proper procedures, leading to the funds being intercepted by a MEV bot. The bot exploited the contract, withdrawing the funds after receiving approval. The funds are now held in the bot's wallet, and recovery depends on the bot owner's willingness to return them. The incident highlights the importance of verifying destination wallets and avoiding direct transfers to contract addresses in Ethereum transactions. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Squirrel_McNutz

This is bullish af for Hype. Circle is butthurt and trying to make it sound bad but Hype is doing exactly what makes it so special! Circling almost all revenue created back to its holders. This part: “What sets the bid apart is Native Markets’ proposal to share 100% of stablecoin revenues with Hyperliquid traders and users. By contrast, Circle currently captures an estimated $225M annually from USDC usage on Hyperliquid without distributing revenue back to the platform’s community.” Just like the hyperliquid Dex itself. So bullish, this is the real crypto. Profits go back to the users, not to middlemen.

coinfeeds-bot

tldr; Bitget Wallet has integrated Apple Pay, Google Pay, and other payment methods through a partnership with Mercuryo, enabling users to purchase over 40 cryptocurrencies directly via the wallet. The collaboration emphasizes stablecoin adoption, offering a fee-free purchase of 100 USDC for a limited time. This initiative aims to simplify crypto access for new users and expand payment options. Bitget Wallet also supports fiat withdrawals and partnerships with Paydify and MoonPay to enhance usability for everyday transactions. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

CipherScarlatti

A Base token feels like it would 1. Confuse users, 2. Take away from USDC. 3. Make them look like hypocrites after saying "We have no plans for a token" after launching Base as an L2 network.

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Post is by: Weary-Hair-316 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1nibkki/stablecoins_are_finally_getting_the_regulatory/ For years stablecoins have been this weird thing where everyone uses them but no one wants to officially acknowledge them. We're talking about $160 billion in circulation, processing trillions in transactions, but banks and governments have been treating them like they don't exist until now The US is pushing through the GENIUS and CLARITY Acts to actually regulate stablecoins instead of just hoping they go away. Europe's MiCA framework kicked in last year with clear rules for issuers. Singapore and Hong Kong are running pilot programs. Even Japan passed a law requiring stablecoins to be issued by licensed banks or financial institutions. Because now Visa, Mastercard, and PayPal aren't just experimenting anymore. PayPal launched PYUSD and is integrating it across their entire network. Ripple bought a payments company for $200 million and is launching their own USD stablecoin this year. The Bank of England is talking about adding regulated stablecoins to their settlement systems. Global remittances hit $860 billion last year with average fees around 6%. Stablecoins can do the same transfer for pennies. Western Union is already testing stablecoin settlements. In places like Argentina and Nigeria, people are using USDT as their savings account because their local currency keeps losing value. But what about central bank digital currencies? Remember how every central bank was going to launch their own digital currency? Most of those projects are stuck in pilot hell while stablecoins are already doing what CBDCs promised to do. Real-time settlement, programmability, transparency. All without governments having to build consumer infrastructure from scratch. There are still massive questions though. Tether controls a huge chunk of the market and nobody really knows what backs all those billions. What happens if a major issuer collapses? How do you prevent money laundering when transactions are instant and global? Different countries have different rules which could turn compliance into a nightmare. When major banks start treating something as legitimate financial infrastructure instead of crypto speculation, you know the game has changed. How long before your bank app has a USDC option next to checking and savings? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

lbeew108

I’d keep a small “travel wallet” topped up for day-to-day spending (SIMs, Grab, cafés that take USDT/USDC) and even lean on things like crypto gift cards when direct acceptance is patchy. it's also good to have some local cash as backup too, and thanks for putting me onto Fly Fairly it looks dope!

Dry-Poetry9897

Would anyone like to trade fiat for USDC? I can send funds for USDC in return.

CipherScarlatti

Wouldn't this directly compete with USDC and also make them look stupid because they originally were like: "Nope, no token."

Lega17

have you tried to sell it? is it in USDC? sell it before the rug pull!!

-5H4Z4M-

7 USD on binance? Then must be on Binance USA? because on Binance France, I set recurring daily plan of 60 USDC and I pay 0 fees at each transaction.

dirodvstw

Damn man I really should’ve only invested in USDC….

bottatoman

If people use HBD on Hive, fUSD on Zano or what Tari is trying to build fiat is dead 100%. If people use USDT or USDC the beast system is in place.

dirodvstw

The fuck is in your watchlist? USDC?

NckyDC

Hi, is the card going to work in the UK if I load it up with USDC? What is the conversion rate for GBP Payments? I checked the website and haven't see much. Is the conversion VISA territory?

ruminkb

Well they are on different block chains. I think they compliment each other really well personally. Just note. Hype isn't sold on centralized exchanges atm in the us. I currently have the wormhole version from uniswap. Price is 1:1 and directly minted from the hype liquidity pool. I think it will be sold on centralized exchanges soon, it's just a really young town. But this is a chat gpt breakdown and reason why I think they work really well with each other. JLP = a liquidity-provider token that represents holdings in Jupiter’s perpetuals LP pool (a basket of assets used to fund leveraged trades). Its value comes from LP earnings (borrow/fee income) and underlying basket revaluation. HYPE = a protocol token for the Hyperliquid L1/Dex ecosystem with a capped supply, token emissions/vesting schedule, and utility across fees/staking/governance depending on Hyperliquid’s design. It behaves like a tradable protocol token rather than a direct LP-share. --- Side-by-side (concise) 1) Token type / economic primitive JLP — LP token representing a pooled basket of assets (SOL, ETH, WBTC, USDC/USDT) that backs Jupiter Perps lending. Holders own pro-rata share of the pool and earn the protocol’s borrowing/fee revenue inside the token. No separate “staking” step — yield accrues within JLP units. HYPE — Native protocol token of Hyperliquid L1/DEX. It’s a capped supply fungible token used for network incentives, protocol economics, and probably governance/staking/fee capture depending on their docs. It’s not an on-chain basket LP token. 2) Supply & distribution (key numbers) JLP — Market pages list circulating supply figures (token is minted/burned as LPs deposit/withdraw); JLP’s “max supply” is not quoted as a fixed cap because it represents pool shares rather than a fixed issuance cap. See market data for current circulating amounts. HYPE — Capped supply (CoinMarketCap shows max supply 1,000,000,000 HYPE and circulating figures are published; official docs and vesting/allocations are tracked publicly). That cap + scheduled unlocks drive inflation dynamics. 3) How value is generated / accrues JLP — Value = underlying basket asset performance + accrued fees/borrow interest from perpetual traders. Liquidity providers receive borrow fees (hourly borrow fees charged to traders) which are automatically reflected in JLP token value — you don’t have to stake/harvest separately. That means JLP is a yield-bearing share of active trading revenue. HYPE — Value drivers typically include: protocol adoption (trading/fees on Hyperliquid L1/DEX), token utility (fee discounts, staking, governance), and supply schedule (emissions/vested tokens unlocking). Some projects also implement buybacks or fee sinks — check Hyperliquid’s governance/treasury docs for specifics. 4) Inflation / emissions / vesting JLP — No protocol inflation in the sense of scheduled token emissions: JLP minting is driven by LP deposits (mint/burn to represent shares). The pool’s cashflows (fees) increase the per-token value rather than issuing new fixed tokens to communities. HYPE — Has a concrete vesting/unlock schedule and future emissions/allocations (public trackers show percent unlocked and scheduled unlocks). That means short-term sell pressure can occur when team/treasury allocations unlock. Monitor the vesting schedule closely. 5) Utility & governance JLP — Primary utility = economic claim on the perp LP pool (yield + underlying assets). Not primarily a governance token; its purpose is liquidity provisioning for leverage trading. HYPE — Designed as a protocol token for Hyperliquid L1: likely used for staking, fee incentives, governance and ecosystem grants per their docs (actual enabled features depend on implementation and governance). 6) Market & liquidity profile JLP — Traded on Solana venues and aggregated markets (CoinMarketCap/CoinGecko show market data). Its price is strongly tied to AUM, trading volumes, and the composition/value of the underlying basket. HYPE — Listed on major trackers with large market capitalization when adoption is high; price moves correlate to Hyperliquid platform usage, token unlocks, and macro crypto flows. Check live market pages for current cap / circulating supply. 7) Main risks (tokenomics perspective) JLP: LP impermanent value risk from underlying assets (SOL/ETH/WBTC volatility). Protocol risk: losses from liquidations / bad debt if perp risk-management fails. Liquidity mining/fee concentration risk if AUM caps or usage drops. HYPE: Inflation/sell pressure from scheduled unlocks and large treasury/team allocations. Execution risk (L1 & DEX require sustained throughput/adoption). Speculative/token utility risk if protocol features (staking/governance) don’t deliver real fee sinks. --- Takeaway / How to think about which fits your goal If you want yield from active derivatives trading exposure and an asset that accrues revenue inside the token (LP economics), JLP is explicitly built for that — you’re effectively earning borrow/fee income pro-rata with exposure to the basket of collateral assets. If you want protocol upside / speculative growth tied to an L1/DEX (and accept inflation/vesting dynamics), HYPE is a standard protocol token with capped supply and emissions — higher beta to adoption and unlock schedules.

EffectEcstatic4730

What are your thoughts on XDC ? XDC Network is a blockchain platform designed for trade finance and tokenization of real-world assets. It's an enterprise-ready hybrid blockchain that combines public and private features, offering transparency, security, and scalability. *Key Features:* - *Delegated Proof of Stake (DPoS) Consensus*: Ensures fast transaction times, high security, and energy efficiency. - *Hybrid Blockchain Model*: Combines public and private blockchains for institutional usage and trade finance. - *Tokenization*: Supports creation of digital assets, such as stocks, invoices, and property rights. - *Scalability*: Capable of handling thousands of transactions per second. - *Low Fees*: Offers tiny transaction fees compared to other blockchain networks. *Recent Developments:* - *USDC Integration*: Circle will soon launch USDC on the XDC Network, enhancing liquidity and opportunities for DeFi applications. - *Strategic Investment*: XDC Network invested $1 million in Kasu Protocol, an RWA commercial lending protocol. - XDC 2.0 Upgrade: Successfully upgraded to XDC 2.0, incorporating Byzantine fault tolerance security and novel forensics monitoring system

adiabatic_storm

Everyone starts at 2%, which is pretty good considering it's BTC and the average CC is either 1% cash back or 1x points on purchases that aren't in some special higher rewards category. After that you need $10K for 2.5%, $50K for 3.0%, and $200K for the full 4%. USDC counts towards the total. If these amounts seem high to any given person, then hey at least there's the 2% starting point, which is already pretty good. And of course if these amounts seem low, then that's obviously great as well.

DistanceMelons

This is nooby BUT what’s the cheapest way to convert/sell my ETH on CoinBase to BTC? It seems selling it to USDC and then buying BTC incurs 2 fees. Selling it straight to BTC costs a fortune. Am I missing a trick?

nasnedigonyat

To invest in a stablecoin, first fund an account on a cryptocurrency exchange like Coinbase or Kraken, then purchase the desired stablecoin (e.g., USDC, USDT). You can then hold the stablecoin in your exchange wallet or transfer it to a personal crypto wallet. For increased returns, you can also lend or stake your stablecoins on the exchange to earn interest.

002_timmy

What are you talking about? You derisk (pay back the loan) all the way down. You can close the position at any time because you are paying 3% on USDC but earning 8% on USDC. I think you may be fundamentally be misunderstanding or unaware of the arbitrage opportunities in DeFi across different platforms

002_timmy

Well, you clearly don’t understand DeFi and yield farming, so it’s good you aren’t participating, but that isn’t what would happen. Let’s say I have $10k worth of an asset (ETH for simplicity). Deposit asset as collateral for a loan. Borrow $5k of USDC at 3-4% APY. Use that $5k of USDC in yield farming to generate 8% APY. I’m making 4-5% on that $5000 USDC. Now, the bear market is coming and ETH starts dropping in value. My ETH is now worth $8000. My LTV went from 50% to 62.5%. I simply pull $1000 out of the farm to pay down the loan (now $4000). My LTV is back to 50% and I maintain the 4-5% yield, just the amount earning has gone down.

backcountry90320

In #1, does this mean that they would have to naked print USDC? So for example for every 1000 USDC they print, they only print 1 USD. So eventually they can pay back 35T of USDC debt by paying 35B in USD...something like that?

thestellaverse

Pretty sound advice, but not they'd have to use cbBTC or WBTC for an AAVE loan. A full range WETH/USDC LP should pay 10% or so aswell.

Xryme

Ya, I got it already. Overall, I like it a lot. Here are some thoughts on it: The design is pretty cool and very unique. And I personally like that it's an Amex with their insurance. It does not show up in my Amex account, it only shows up in my Coinbase account. There is no phone number on the back of the card it just points you to Coinbase's website. Cash back on everything is awesome, it uses the price of bitcoin at the time of the transactions and is deposited to your account as soon as the transaction has settled so you don't have to wait for your statement to get Bitcoin. The integration into the Coinbase app is very solid, transactions show up instantly, it is a simple and easy to use design. Brands, like say Netflix, show up with the proper company icon. It has a base cashback rate of 2% unlimited, and then a boosted cashback rates up to an additional 2% (4% total) on the first 10k a month. This is high enough monthly that it will cover my everything else category pretty easily, but it's not enough for me to drop all my other cards and only use it. I will still split my spending on some category points cards and use it as an everything else card. Coinbase One is only 50$ a year, and you get 4.5% boosted interest on USDC on the first 10k, then 4.1% after that. If you do the math just the 0.4% boost is 40$ a year on 10k. So, I moved 10k over to Coinbase to leave in USDC and unlocked the first 2.5% boosted cash back rate. That makes the effective annual fee $10, and my 10k is earning 4.1%. With just 10k it becomes better than any standard 2% cashback card imo. I plan to move more assets (Bitcoin and USDC) over to Coinbase to unlock the higher cashback rates, but my only complaint really is 200k is steep for the 4% rate. Similar cards like US Bank Smartly was only 100k, but I'd much rather have my assets in Bitcoin over cash in US Bank so I vastly prefer Coinbase. If I compare it other crypto cards, I think it's the best one. If you're a high spender and are going to run into that 10k limit a month the Robinhood 3% unlimited cash back card might be slightly better. But like 20k on the Coinbase card with the 4% rate would average 3%, so I doubt many people will run into that issue. I think it will be one of my main cards for years to come.

luv2fly781

It’s the capital gains you make from trade. Doesn’t matter if it’s btc USDC or meme. The sale of asset to another and if it’s a gain. You pay for

coinfeeds-bot

tldr; Circle is preparing to launch a native version of its stablecoin, USD Coin (USDC), on Hyperliquid’s Layer 1 chain, HyperEVM. Test transactions and a $5 million purchase of Hyperliquid’s HYPE token by a Circle-linked wallet suggest deeper integration into the Hyperliquid ecosystem. This move would add HyperEVM to the 24 networks already supporting USDC. However, Hyperliquid's plans to introduce its own stablecoin, USDH, could challenge Circle's dominance, as Hyperliquid currently accounts for 8% of USDC's circulation. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

KaizenCreator

I say 2 smart paths. 1. Convert to .5 BTC, take the rest of the profits profits, which is like 40k. Pay taxes on it, about 20-30%, which is 28-32k after taxes. Leave it in USDC at 4.5% until you decide on your next move. I'd recommend a nice multifamily or small affordable condo in the next few years. You're most likely too young to have great credit without a cosigner and probably not enough income. But continue to build credit and DCA over the next few years and make the move in the next 2-4 years. Option 2, all in on BTC and let it ride. You won't regret either. Might have FOMO as BTC goes nuts, but that's about it.

coinfeeds-bot

tldr; A phishing attack drained over $3 million in USDC from a 2-of-4 Safe multi-signature wallet. The attacker used a fraudulent contract with a near-identical address to the legitimate one, exploiting the Safe Multi Send mechanism to disguise the malicious approval. Funds were swapped for Ethereum and funneled into Tornado Cash. The exploit was executed via the Request Finance app, which has since patched the vulnerability. The incident highlights evolving phishing tactics using verified contracts and similar addresses to bypass scrutiny. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

MyNameIsNotKyle3

This is BS, listen I'm as optimistic as the next guy but there are more odds that $USDC hits $2 than this.

coinfeeds-bot

tldr; Taoshi, in partnership with General TAO Ventures, has launched 0xMarkets, a decentralized forex exchange on Coinbase's Base blockchain, aiming to tap into the $7.5 trillion forex market. The platform uses the Bittensor blockchain to attract liquidity and employs a token model similar to Curve Finance. Traders can swap between major currencies and cryptocurrencies, while liquidity providers earn rewards through USDC deposits and alpha token emissions. The system is permissionless, with governance driven by alpha token holders. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Upset_Acanthaceae_18

Just to show what I mean - I was able to flip XRP in 6 hours and made $0.17 off a $32.75 investment: |Asset|Type|Amount|Total (USDC)|Profit (Approx)|Audit|Time| |:-|:-|:-|:-|:-|:-|:-| |XRP|sell|10.99|$33.18|$0.17|View Audit|9/11/2025, 2:04:41 PM| |XRP|buy|10.99|$32.75|$-|View Audit|9/11/2025, 8:31:02 AM| I know this isn't dramatic- but it really adds up! That's like a 259% APY. Doesn't matter that the coin is worthless - aren't they all anyways?

jspartanlee

It was a joke. He "sold his USDC" - get it?

polymath_uk

I mean we just fork USDC and find/replace "$" with "£", right?

ffenliv

Dude, this is more political hype than reality. Yes, stablecoins are driving demand for Treasuries and strengthening the dollar, but “debt relief” via USDT/USDC is fantasy. For us, the main thing is: another argument why bitcoin and ether will remain the top hedge against any system feints.

coinfeeds-bot

tldr; The Algorand Startup Challenges program is designed for early-stage entrepreneurs and innovators using Algorand to solve real-world problems. It offers a series of challenges combining technical and business sessions, including Algorand integration, proof-of-concept development, market validation, and pitching. Participants gain mentorship, hands-on experience, and compete for a $125,000 USDC prize pool. The program emphasizes Lean Startup principles, product-market fit, and go-to-market strategies to help startups refine their ideas and attract early users. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

sylsau

This is indeed what's being prepared on the American side following the GENIUS Act. Here's an excerpt from this article, "[**The Silent Coup: How America Plans to Erase $37 Trillion of Debt with a Digital Dollar Trojan Horse**](https://sylvainsaurel.substack.com/p/the-silent-coup-how-america-plans)," which explains this: "To understand the genius—and the danger—of this plan, one must follow the money. The law creates an unprecedentedly lucrative and symbiotic relationship between stablecoin issuers and the U.S. Treasury. Here’s how the profit engine works: 1. **Mandatory Treasury Backing:** For every digital dollar a company like Circle (issuer of USDC) or the newly formed ‘Patriot Dollar’ consortium wants to create, it must purchase one dollar's worth of U.S. government debt—specifically, Treasury bills. This creates a direct, one-to-one correlation: every $1 of digital dollar supply equals $1 of new demand for U.S. debt. 2. **The Yield Becomes Private Profit:** While the stablecoin user gets a convenient digital dollar, the issuer gets to keep 100% of the yield generated by the Treasuries they hold as reserves. With current yields hovering around 4%, this is not a trivial sum. For every $1 billion in stablecoins issued, the company earns approximately $40 million a year in nearly risk-free profits. 3. **A Self-Perpetuating Cash Cow:** As digital dollars become more integrated into global commerce, e-commerce, and decentralized finance (DeFi), the demand for them will skyrocket. If the stablecoin market grows from its current \~$160 billion to $1 trillion, that's an automatic $1 trillion of demand for U.S. Treasuries, generating $40 billion in annual revenue for the private issuers. If it scales to $10 trillion, that’s a staggering $400 billion in yearly private-sector profits, all while creating a captive market for government bonds. **Circle, the issuer of the USDC stablecoin, already provides a proof-of-concept.** It currently earns an estimated \~$2 billion a year simply from the yield on its reserves. **The GENIUS Act effectively pours gasoline on this model**, inviting Wall Street, Silicon Valley, and every major financial institution to build their own digital dollar printing presses."

burrito_saus

BTC, ADA, XCN, Qubic, Pendle, Euler, Fluid. Also you could just take the 4k and keep it in cash onchain earning passive interest and rotate that interest into whatever u actually want. Slower but maybe safer. Nothing is actually safe in DeFi though its the wild west out here... But I like fluid for USDC yield. USDe is i think 15% or so too... DYOR with any crypto investment. Its so volatile if you are long term holding i find its best to slow leak liquidity into a project. So again 4k in a stablecoin yield can be a good way to do that

EarningsPal

1 USD in 3 places 1. USDC minter has $1 2. The bank books have $1 USD backing and will buy us treasuries 3. US government gets the $1 as a loan and gives the bank the IOU with interest.

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Post is by: arkwald and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1ndqnc8/stablecoins_safe_money_or_ticking_time_bomb/ Everyone in crypto uses USDT, USDC, whatever… feels like they’re the backbone of the whole market. But let’s be real they’re only “stable” if the companies behind them actually hold what they claim. If something goes wrong, the whole space could feel it. So are stablecoins actually safe to park cash in, or are we all just trusting too much? Do you guys see them as a strong part of the system, or more like a risk that nobody talks about until it blows up? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

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Post is by: Kurosaki56843 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1ndmjo8/saw_this_wild_claim_from_a_putin_advisor_is_the/ So.. people on twitter have been losing it over a claim from Anton Kobyakov (senior advisor to Putin), who said at the Eastern Economic Forum that the U.S. is using stablecoins like USDT and USDC to offload its $35T+ debt and "reset" the system - basically comparing it to when the U.S. abandoned the gold standard. Tbh, this sounded insane at first, but when you think about it, is it really? Some context: * Stablecoin market cap = approx. $247B * Tether & Circle now rank among the top 20 holders of U.S. Treasuries (confirmed in Bitwise's latest data) * The GENIUS Act, signed in July 2025, quietly tied stablecoin reserves to U.S. Treasury demand * And yes this absolutely boosts dollar dominance globally So while $35T is a stretch, the idea of the U.S. using stablecoins to deepen treasury demand (and eventually inflate away part of its debt) doesn't sound completely far-fetched. Especially if it maintains control of the rails. But then again, this is also coming from a Russian official at a time when BRICS is pushing hard for de-dollarization and promoting their ruble-backed stablecoin (A7A5 on Tron). So yeah, take that with a grain of salt (the political one). I'm not saying this scenario is likely, but it definitely made me think twice about having anything at all parked in stablecoins. I've been trying to stay liquid without selling, so I've been borrowing a bit against my BTC on Nехо instead of cashing out. Rates are decent, and it's helped me avoid messing with my long-term positions while still having room to move if things get weird. So any thoughts on this? Is the U.S. really inflating away its debt through crypto rails, or is this just Russia talking its own book? If there's even a shred of truth to this, what does that mean for Bitcoin and Ethereum over the next decade? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Upset_Acanthaceae_18

I'd vote for short holds, realized gains and then reinvestment. I built an auto-trader (https://safetraderapp.com) that takes this approach, where USDC is the safe zone and it only ventures out briefly when something looks palatable. Here were my last 20 transactions - gains are itty bitty but they add up: |Asset|Type|Amount|Total (USDC)|Profit (Approx)|Time| |:-|:-|:-|:-|:-|:-| |WIF|sell|19.07|$16.71|$0.08|9/9/2025, 7:13:14 PM| |AKT|sell|24.91|$28.60|$0.12|9/9/2025, 7:47:52 PM| |METIS|sell|1.68|$26.17|$0.12|9/9/2025, 9:18:27 PM| |RENDER|sell|6.67|$25.52|$0.13|9/9/2025, 9:39:04 PM| |LQTY|sell|17.19|$14.12|$0.07|9/9/2025, 10:10:51 PM| |ORCA|sell|11.33|$25.75|$0.15|9/9/2025, 10:24:17 PM|

gnufoot

> “While showing zero selling activity”. Again, that is ignorant terminology. There’s no such thing as “selling activity” on the blockchain. What else do you call it when you swap one cryptocurrency for another? I'm not personally familiar with how bitcoin works but on Ethereum if you swap USDC for ETH did you not buy ETH???

coinfeeds-bot

tldr; Hyperliquid, a decentralized exchange and blockchain, plans to launch USDH, a native stablecoin, to replace USDC in its ecosystem. This has sparked a governance battle among contenders including Stripe, MoonPay-Agora coalition, Paxos, and Frax, each proposing different models for issuance and revenue sharing. The validator vote on September 14, 2025, will decide the issuer, with debates focusing on regulatory compliance, community rewards, and potential conflicts of interest. The decision could reshape Hyperliquid's financial architecture and impact the broader crypto ecosystem. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

emojidomain

True, I can already picture the “Bitcoin is antifragile” threads. Short-term chaos, long-term narrative fuel. Do you think institutions would actually step in with USDC/other stablecoins to fill the gap quickly?

promonalg

Does USDC or tether really have the amount of USD in their account for 1:1? I highly doubt it...

whatwilly0ubuild

Man, you've basically documented everything wrong with crypto UX in one post. Working at a platform that designs decentralized and ML-driven systems, we deal with this exact bridging nightmare constantly with our clients. Your experience is unfortunately typical, but there are way simpler paths to get USDC on Base that don't involve that ridiculous multi-hop journey. Coinbase has native Base support since they built the damn network, so you can buy USDC directly on Base through their exchange or wallet. Binance also supports Base deposits/withdrawals now. Would've saved you like 5 steps and a bunch of gas fees. For future reference, you can also use Superbridge or the official Base bridge to go directly from Ethereum mainnet to Base if you already have USDC on mainnet. Much cleaner than going through TRON. The broader point you're making about network-specific tokens is spot on though. Most people don't realize that USDC on Ethereum is completely different from USDC on Base or Polygon, even though they have the same name and theoretically the same value. The technical architecture makes them totally separate assets that need bridging to move between chains. This is exactly why our customers who build wallet interfaces spend so much time on the UX layer. The underlying infrastructure is a mess of incompatible networks and most users shouldn't have to understand the technical details to move money around. That said, I'd be really careful about putting money into any "pre-IPO" projects through random crypto platforms. The legitimate investment world doesn't work that way and there are a ton of scams using familiar company names to steal people's funds. The complexity you went through might actually be a feature, not a bug, if it makes you think twice about where you're sending your money.

ambermage

I very much agree. Lost ~1.8 BTC and ~15ETH + a bunch of USDC.

BountyBoard

We are peak-ish, so I'd put in USDC to get 4%

TheGrasshopper92

I file my taxes buddy and tell the government about any gains or losses that are actualized over the year. Currently that is $0 because I’m not a day trader. If the government wants oversight to every $1 coffee I purchase because I receive my paycheck as USDC and exclusively use the Coinbase Debit Card as my point of purchase vehicle then I will leave this country — flat out. Until I get a knock on the door though I’ll figure that while the letter of the law might not be followed that I wholeheartedly follow the spirit of the law. You seem like a joy to be around 🤣

Frosty-Detective5330

A lot of people call XRP a “stablecoin” just because its price has been relatively flat compared to other cryptos, especially during bull runs. But technically, it’s not a stablecoin at all, it doesn’t have reserves pegged to USD like USDT or USDC. It’s just that Ripple’s tokenomics and the way XRP is used in liquidity/payment rails have kept it from mooning or crashing the way more speculative coins do. In practice, it acts more like a payments token or bridge currency. That’s why some traders see it as “stable,” but it’s really just underperforming in terms of volatility compared to meme coins or ETH. If you’re moving between tokens and want to avoid sitting in fiat or true stables, XRP can feel like a semi-stable parking spot. A couple of practical solutions: diversify between real stables and XRP, use it mainly for transfers, or swap quickly in and out when needed. Using an aggregator like Rubic makes it easier since you can move in and out of XRP alongside 15k+ tokens without juggling bridges. Do you see XRP’s “stability” as a strength, like a safer hedge, or as dead capital compared to more volatile plays?

Even_Virus_3017

85% Bitcoin 10% ICP 5% USDC

ContentBlackberry0

Crypto and the blockchain is the future or at least the blockchain will be the backbone system to the banks. Crypto needs to be more streamlined, easier and safer to use and not so complicated with seed phrases, multiple addresses and so forth. There should be like 3 coins only BTC USDC and eth only on 1 network each there are so many networks and ways to make mistake it’s mind boggling.

alex_sz

Typically blind signing is for contract function not monetary transfer, contacts have a whole sub-set of other risks. For example, authing a contract to have access to unlimited USDC

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hipster-coder

Great to hear that the US has a plan to handle their debt. But if Bitcoin is so bad, why was RT promoting it via Max Keizer? Is there something obvious that I don't understand? Also, honest question, why are stablecoins a problem? If the US government wants to devalue the dollar, why is it relevant whether you are holding USD, or USDC or USDT? Won't these devalue equally?

youarestillearly

Get the entire world to use USDC. Then force the stable coin companies to put half their gigantic profits into buying US treasuries. That's part of the plan

jawni

Bridging is a pain, but you made it a lot harder than it needed to be. Next time just buy USDC to withdraw to Base directly, and if you can't do that, just buy ETH and bridge it to Base, then swap most of the ETH for the USDC you need(bridging ETH also means you'll have ETH for gas ready on the side you're bridging to).

GBeastETH

Step 1. Buy USDC on Coinbase. Step 2. Send USDC to project on the base network

TrueButterfly3908

I've gotten used to directly buying USDT via C2C, so that's why I went this route. Didn't realize at first that buying USDC directly could simplify things so much.

Away_Entry8822

And if I go to uniswap and sell 1 ETH for USDC it is 27 cents. You aren’t doing a normal swap or have high gas or your dex sucks.

MichaelAischmann

Most exchanges should let you buy USDC & let you withdraw it on the network you desire (like BASE). OKX supports base USDC. I'm not familiar with OKX but I think step 2 should have been the withdrawal directly to Jarsy.

Laukess

Started using hodlhodl.com. It seem like a lot of the more centralized options have shot down business in EU. I think the rates might be better anyway, but not sure. Not sure about liquidity either, think it might be on the lower end. I lend out a small amount of USDC to test it out. 9% yearly. I think it's good rates for the lender, and I think it's a lot lower for the borrower than Strike and [Ledn.io](http://Ledn.io) where they are 12%-15% I think. Not sure why it's not more popular, am I missing something?

Smort_poop

USDT and USDC are the US dollar with extra risk. If someone sells their local currency for USDT, they’re doing that to have USD.

Uksan_Iva

Yes, you have a few choices depending on whether you want centralized or decentralized. On DeFi, Aave lets you borrow stablecoins against wrapped BTC, but you need to manage collateral carefully. On centralized exchanges, Binance, Coinbase, and OKX all offer BTC-backed loans with flexible terms. They usually let you borrow USDT/USDC against your BTC, but you need to watch for liquidation if BTC price drops. Best to compare rates, LTV, and repayment options before deciding.

Own_Sky9933

Any issues with tax reporting. Each time you spend USDC another taxable transaction you are suppose to report.

jawni

Nope, look at the price of USDC and USDT in early March 2023.

supremezionsky

USDC already lost its peg and billions was lost

KittyWifBow

100% agree, we wanted to make it easier for people to join us. Step by step we will keep doing what is best for the community, we also asked if people would prefer a different pool say Eth base, but the consensus seems to be as long as you have USDC or Eth base it's good and easier for folks.

Training-Ad-8270

Indeed, this **should** be a huge wake-up-call. The same is true of any centralized cryptocurrency. As specific examples that personally I avoid like the plague: Solana, Algorand, BNB, USDC, USDT. Those are *fully* centralized cryptocurrencies. In the case of Solana, Algorand, and BNB - they knowingly do this as a conscious tradeoff to the Trilemma Problem - sacrificing the security leg, for fast and cheap. Solana has even had several *network outages*. Should be a dealbreaker for anyone, do not pass "Go", ever. But the same is true for most current Ethereum L2 networks like Polygon, Base, etc. But at least most (except Coinbase' Base) have decentralization on their roadmaps. (Don't ever use the Base network, if you don't wish to see your coins even potentially accidentally seized by a bogus law enforcement order.) Ethereum itself though, is sufficiently decentralized. But you can have any & all crypto frozen or outright seized - even Monero - if it's held on a centralized exchange. E.g. by mistaken LE action, even if your coins were tangentially involved at some point in an illegal action. This is why I only deal with sufficiently decentralized coins like ETH, ADA, BTC, XMR - and only ever keep a small % on a centralized exchange for inexpensive trading.

Quirky_Conflict6407

Getting a direct USDC pool definitely lowers friction. Makes it way easier for new buyers to jump in.

hotdog-water--

You can hold USD or USDC. Doesn’t have to be Bitcoin chief

hotdog-water--

You can hold USD or USDC. Doesn’t have to be Bitcoin chief

SurprisedByItAll

Valid question. I see on Gemini that you can only use USDC and RLUSD now and not Tether USDT. You're asking a valid question.

KGB4L

We have a lot of those in Ukraine (not this specific one, but physical stores). They are pretty much p2p places to buy or sell crypto for instant cash. Their rates are pretty much market rates. This stuff isn’t too regulated in the country, so they are free to operate without much oversight. Remember, not everyone uses crypto as an investment tool. 90% of the time I use it to send or receive money abroad at an instant. USDT, USDC, Sol, LTC or whatever. This is the target audience for these stores.

HelpfulAd6300

Fair question. I wanted to test them as a fiat → USDC onramp before moving funds into DeFi. Thought it’d be simple. Big mistake.

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Post is by: HelpfulAd6300 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1n9n8ym/robinhood_closed_my_crypto_account_liquidated_my/ I deposited $20K into Robinhood over 2 weeks to onramp into crypto and move to my cold wallet. No warning about 7-day withdrawal holds. After funds cleared, I bought USDC and tried a $1K transfer. Robinhood flagged me for “questionable activity” and then closed my account. They sold my BTC/ETH at a loss and converted my USDC back to USD. Now they say I’ll get my money back to my bank account in 30–120 days. Absolutely unacceptable. Anyone else had this happen? How long did it take to actually get your funds back? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

askalgore

You can make easy double digits yield farming your entire stack of USDC on chain right now in defi. You can make more yield in treasuries and high yield savings account than parking $00k somewhere to spend (probably) a fraction of that to get yield on a fraction of that in cash back. 4% cash back on things that reduce my stack is massive no from me, dawg Not for $200k minimum.

whatwilly0ubuild

This is actually something we've stress tested extensively. At my job we help teams build out AI and cryptography systems like this, and the stablecoin architecture question comes up constantly with our clients who are building DeFi protocols. You're right that it's basically a bank run scenario, but the mechanics are more complex than traditional banking because of how DEX liquidity works. When confidence starts cracking, you get this cascading effect where people rush to redeem directly from the issuer if they can, but most volume goes through DEXs where the liquidity pools get drained fast. We saw this play out with USDC during the SVB crisis. Even though Circle was fundamentally sound, the secondary market went to shit because liquidity providers pulled out and arbitrage bots couldn't keep up with demand. Price dropped to like 87 cents on some exchanges while direct redemption was still at par. The really nasty part is cross-collateralization. Most DeFi protocols use stablecoins as collateral, so when they depeg you get liquidation cascades that make everything worse. Our customers who run lending protocols learned this the hard way during Terra/Luna. Their smart contracts started liquidating positions based on the depegged prices, which created more selling pressure. For truly algorithmic stablecoins the death spiral is basically inevitable once confidence breaks. But for asset-backed ones like USDC or USDT, it's more about liquidity mechanics than fundamental backing. The problem is most people can't tell the difference in real time, so they all get treated the same during panic. Flight patterns depend on the scale. Small depegs usually see people arbitraging back to parity or rotating to other stables. Major crises drive flight to actual fiat or Bitcoin. ETH sometimes catches a bid as a "crypto native" safe haven but that's not reliable. The infrastructure just isn't built for this kind of stress. Most off-the-shelf tools weren't built for your use case, they're built for generalization. DEX liquidity models break down when everyone's heading for the exits simultaneously, and the oracle systems that price everything start lagging reality by dangerous amounts. We've been helping clients build better circuit breakers and stress testing frameworks because yeah, it really is like living in a flood zone and pretending hurricanes don't happen.

whatwilly0ubuild

Cross-chain transaction debugging tools are absolutely terrible right now. I work at an engineering consultancy and we see this shit daily with our clients building DeFi protocols and wallet infrastructure. The current landscape is a mess of block explorers that don't talk to each other, transaction traces that stop at bridge contracts, and debugging workflows that require like 6 different tools just to figure out why a transaction failed across chains. Etherscan, Polygonscan, whatever, they're all isolated silos. What I really want is something that can trace a transaction from start to finish across multiple chains and show you the actual execution flow. Like if I bridge USDC from Ethereum to Polygon and something breaks, I want to see the entire path, not just fragments. The closest thing is Tenderly but it doesn't handle cross-chain scenarios well and their API is expensive as hell for production use. Another gap is real MEV monitoring for regular users. Sure, flashbots has dashboards for searchers but normal people getting rekt by sandwich attacks have no visibility into what happened. Our customers who build trading interfaces constantly ask about this. They want to show users when they got MEV'd and by how much, but there's no good API that covers all the different MEV types across chains. Portfolio tracking is oversaturated but they all suck at DeFi positions. They can handle basic token balances but try tracking your actual PnL from liquidity providing across multiple pools and protocols and they fall apart. The math gets complex with impermanent loss, reward tokens, and compounding, and most tools just give up or show wrong numbers. Smart contract testing and simulation tools are getting better but still pretty clunky. Most teams try to duct-tape these systems together with Foundry and some custom scripts but there's definitely room for something more integrated. Especially for testing upgrade scenarios and cross-protocol interactions. The one thing that's almost there but not quite is decent alerting infrastructure. You can set up basic price alerts everywhere but try setting up alerts for smart contract events, unusual transaction patterns, or governance proposals and you're back to building custom monitoring. Data pipelines, cryptography, and ML are unforgiving if you cut corners so whatever gets built needs to actually work reliably, not just look good in demos.

hotdog-water--

You can keep USD or USDC and it counts, doesn’t have to be Bitcoin

hotdog-water--

You don’t need to keep it on the exchange you can keep USD or USDC as well and it counts

hotdog-water--

Because it incentivizes you to use their platform instead of a competitor. You don’t need to hold bitcoin on the exchange, you can hold any asset including US dollars or USDC

Zarigis

The admins for some tokens (e.g. USDC) have the capability to change the balance for any address (i.e. change the number of tokens that the address holds).

Brave_Cat4257

You can hold USDC instead of BTC. Earn 4% on it while also stacking the 4% BTC rewards when you spend.